Santander Home Insurance Policy summary

Transcription

1 Santander Home Insurance Policy summary

2 Insurance Policy Summary Contents Home insurance 3 Contents 4 Personal belongings 5 Personal belongings (Pedal cycles) 5 Buildings 6 Legal services 7 Home emergency cover 8 Other important information 9 This is a summary of the policy and does not contain the full terms and conditions of the cover, which can be found in the policy documentation. It is important that you read the policy documentation carefully when you receive it. 2

3 Home insurance Who are the insurers? The insurer for all sections of cover (except Home emergency cover) is Aviva Insurance Limited. Home emergency cover is underwritten by Inter Partner Assistance SA. What is Santander Home Insurance? What are the benefits and features of the Santander Home Insurance policy? The Santander Home Insurance policy is a flexible policy offering a range of covers. All sections are optional except that you must select Contents and/ or Buildings cover. This summary outlines the covers which are available and your schedule shows those which you have selected All policyholders get access to our free legal and tax helpline to get advice on personal legal or tax matters. exclusions or limitations of the Santander Home Insurance policy? You will have to pay the first part of most claims this is known as an excess. Your schedule details the excesses which apply to your policy Limits apply for certain covers; the limits are shown on your schedule and in your policy booklet Certain loss or damage (for example theft or malicious damage) caused by you or members of your household Damage caused by chewing, scratching, tearing or fouling by domestic animals Items used for business or professional purposes (though certain damage for business equipment such as office furniture, computers, printers, typewriters, fax machines, photocopiers, telephones and answerphones that are owned by you, or are your legal responsibility is covered under contents, see policy booklet for full details) The cost of replacing any undamaged items which form part of a pair, set or suite Any loss or damage, as a result of a criminal act or deliberately caused, by you or anyone living with you Clause(s) may apply which exclude certain losses or damage. These will appear on your schedule. 3

4 Insurance Policy Summary Contents What are the benefits and features? Loss or damage to contents in the home by an extensive list of causes such as fire, storm, theft, etc. (see policy booklet for full details). Extra benefits which are automatically included Accidental damage to home entertainment equipment, mirrors and fixed glass in the home Contents in garages and outbuildings, in the garden and while temporarily removed from the home Replacement locks if keys are lost or stolen Spoilage of food in freezers Loss of domestic heating fuel and metered water Loss of rent and the cost of alternative accommodation following an insured loss Your liability as occupier, employer, tenant and in a personal capacity. Optional extra benefits which you can choose to add Extra accidental damage - this extends the accidental damage cover outlined opposite to cover all other accidental damage to contents in the home which we regard as insurable (see policy booklet for full details). The following exclusions apply to the Extra accidental damage option: Accidental damage occurring outside the home (but wider cover is available under Personal belongings) Damage caused by paying guests or when your home is lent, let or sub-let Damage caused by water entering the home, regardless of how this happened, is not covered (though damage caused by certain water related events such as storm and flood is covered in the basic contents cover - see policy booklet for full details). exclusions or limitations? Certain losses or damage when your home is unoccupied for more than the agreed number of days* Motorised vehicles, aircraft, caravans, watercraft of any kind Loss or damage to your contents by any cause not listed in the policy booklet (but wider cover is available under the Extra accidental damage option and the Personal belongings section). *Please see your policy schedule for the limits applying to your policy 4

5 Personal belongings Personal belongings (Pedal cycles) What are the benefits and features? This gives wider cover than is otherwise available under the Contents section for your personal belongings, money and credit cards. Cover is provided for loss or damage including losses away from your home anywhere in the world. exclusions or limitations? Pedal cycles (unless you select the Pedal cycles option outlined opposite) Loss or damage to sports racquets, sticks, clubs and bats while in play Certain restrictions apply for theft from an unattended vehicle. What are the benefits and features? This covers loss or damage to your pedal cycles anywhere in the world up to the policy limit*. exclusions or limitations? while being used for racing, pace making or trials loss or damage caused by theft unless the cycle is in your immediate custody and control securely locked to an object that cannot be moved in a locked building. *Please see your policy schedule for the limits applying to your policy 5

6 Insurance Policy Summary Buildings What are the benefits and features? Loss or damage to the structure of your home including its outbuildings, walls, drives, fences and permanent fixtures by an extensive list of causes such as fire, flood etc. (see policy booklet for full details). Extra benefits which are automatically included Accidental damage to fixed glass, sanitary fixtures and service pipes and cables Loss of rent and the cost of alternative accommodation following an insured loss Your legal liability as owner of your home Replacement locks if keys are lost or stolen. Optional extra benefits which you can choose to add Extra accidental damage - this extends the accidental damage cover outlined opposite to cover all other accidental damage to the buildings which we regard as insurable (see policy booklet for full details). The following exclusions apply to the Extra accidental damage option: Damage caused by water entering the home, regardless of how this happened, is not covered (though damage caused by certain water related events such as storm and flood is covered in the basic buildings cover - see policy booklet for full details). exclusions or limitations? Certain losses or damage when your home is unoccupied for more than the agreed number of days* Wet or dry rot Damage to cables or underground pipes due to limit of construction, design, manufacture or installation Liability as occupier of your home (but this can be insured under Contents cover) Loss or damage to your buildings from any cause not listed in the policy booklet (wider cover is available under the Extra accidental damage option). *Please see your policy schedule for the limits applying to your policy 6

7 Legal services What is Legal services? Legal services provides you with up to 50,000 of funding for a lawyer, if required, to pursue or defend legal disputes in court. What are the benefits and features? The types of dispute that you can use this for are: Employment disputes such as unfair dismissal or discrimination at work. Property issues such as noisy neighbours or boundary disputes. Personal injury including food poisoning and accidental injury which is someone else s fault. Consumer disputes relating to goods or services that you have bought, sold or rented for your personal use. This could include car purchases or breach of contract by a holiday company. Medical or cosmetic negligence by anyone responsible for your care such as doctors, dentists and cosmetic treatment practitioners. Every member of the family who lives in the main family home is included in this insurance. There is no limit to the number of claims you can make and doing so will not affect your home insurance premium. When you purchase this insurance it covers property disputes on any property that you or the family living with you own or rent. For this reason you only need to buy this cover once. There is no policy excess in the event of a claim. exclusions or limitations? We will only pay for a lawyer if we believe that you are more likely than not to win your case. We will not accept a claim which we believe you knew was likely to happen before you purchased this insurance e.g. if you are already in a disciplinary process at work when you buy this cover which leads to you claiming in the future. The lawyer will discuss the legal options available, which will not always include the lawyer attending court with you. An employment dispute which started before or within 30 days of this cover starting is excluded unless you had similar cover which expired at the same time. Any disciplinary or grievance procedures at work. Claims relating to quarrying, gas extraction or to major works such as roads, railways or airports will only be covered if the dispute is specific to you or your home and not to a wider group of people. Any claim relating to your own injury or death in a motorised vehicle that you are driving. There is no cover for disputes with anyone related to you or who is also insured by this policy. Any claim relating to or arising as a result of divorce, separation, matrimonial issues or cohabitation, joint property ownership, joint financial obligations or maintenance, financial or custody arrangements involving children. This insurance cannot be used for a dispute relating to the Legal services cover itself. You are free to nominate your own lawyer to represent you at any time, although conditions apply including that they must accept our terms of appointment and, prior to court proceedings being issued, we will only pay up to the same amount that we would pay one of our chosen lawyers. The amount we will pay towards your claim will be limited to what, in the lawyer s opinion, would be considered reasonable by the court and acceptable to a reasonable person paying those costs themselves. 7

8 Insurance Policy Summary Home emergency cover What is Home emergency cover? Home emergency cover provides you with assistance in the event of an emergency at your property. We describe an emergency as an unforeseen and sudden incident which (i) causes a loss of essential services or damage to your property; or (ii) exposes a risk to your health; or (iii) makes your property uninhabitable, and which is set out in any of the What is covered? sections of your policy booklet. Please be aware: Home emergency cover is not a service and maintenance product. It does not cover incidents related to the repair of parts which are failing due to natural wear and tear (e.g. dripping taps). It does not cover the breakdown of domestic appliances (e.g. washing machines) or electric showers, or emergencies that you were aware of at the time of taking out the cover. What are the benefits and features? For each claim you will be covered up to the value of 1,000 for labour, parts and materials (including VAT). There is no limit to the number of claims you can make. Hotel accommodation - If your property is uninhabitable as a result of an emergency covered under this policy, we will reimburse you for your hotel costs (room and transport to the hotel only) up to an amount of 1,000 per claim. This is in addition to the labour, parts and materials claims limit of 1,000. All permanent repairs carried out by the engineers within the limits of the policy will be guaranteed for 12 months. There is no policy excess in the event of a claim. What sorts of things are covered? Loss of essential services to your home (mains drainage to the home boundaries, water, electricity and gas within the home and the main source of heating). Plumbing problems related to water tanks, draining down and isolation of leaking radiators, leaking pipes, blocked drains, blockages in toilet waste pipes or breakage of the cistern internal mechanism which prevents flushing. Electrical emergency and breakdown e.g. breakdown of fuse box. Security risks such as lost keys, failure of, or damage to, external locks, doors and windows. Sudden and unexpected damage to the house roof caused by bad weather or a fallen tree. Removal of pest infestations brown or black rats or house or field mice in the main house, flat or apartment on your property; and wasps or hornets nests in the home or garden. exclusions or limitations? Claims arising from or related to: Certain cover restrictions apply if you live in a flat or apartment see policy booklet for full details. Loss or damage arising from circumstances that you were aware of at the time of taking out Home emergency cover. Dual purpose boilers (Aga or Rayburn), warm air and solar heating systems, LPG (Liquid Petroleum Gas), underfloor heating. Electric water heaters. Normal day-to-day maintenance and the cost of replacing parts due to natural wear and tear, such as dripping or seized taps. Overflow pipes. Showers and domestic appliances e.g. washing machines. Any damage or failure caused by malicious or wilful action, negligence, misuse, interference or faulty workmanship, including any attempted repair which does not meet industry standards. Where the property is unoccupied for 60 or more consecutive days. There is no cover under the policy for detached garages or outbuildings. 8

9 Other important information How long does my Santander Home Insurance run for? This policy will remain in force for 12 months from the date of commencement (or as otherwise shown on your policy schedule) and for any period for which you renew the policy, as long as you continue to pay your premium. You should review the level of cover that you have chosen on a regular basis to make sure that it is sufficient for your requirements. What happens if I take out cover and then change my mind? You have the right to cancel your policy within 14 days either from the day of purchase or renewal of the policy or the day on which you receive your policy or renewal documentation, whichever is the later. If you wish to cancel and the insurance cover has not yet commenced, you will be entitled to a full refund of the premium paid. What are the charges for policy cancellation? If you cancel your policy within the 14 day period, you will be entitled to a refund of the premium paid, less a proportionate deduction for the time we have provided cover. If you cancel your policy after the 14 day period, in addition to the amount charged for the time you have been covered, there will also be an additional charge of up to 25 (plus Insurance Premium Tax where applicable), to cover the administrative cost of providing the policy. If we cancel your policy for non payment of any amount due, there will also be an additional charge of up to 25 (plus Insurance Premium Tax where applicable), to cover the administrative cost of providing the policy. How do I make a claim? For claims under all sections except Legal services and Home emergency cover, telephone us on: For claims under Legal services, call: and for claims under Home emergency cover, call: All our claims lines are open 24 hours a day 365 days a year. How do I make a complaint? We hope that you will be very happy with the service we provide. However, if for any reason you are unhappy with it, we would like to hear from you. If your complaint is about how your policy was sold you can visit any Santander branch across the country or you can call us on: or (mobile) (Open Monday to Saturday 8am to 8pm and Sunday 8am to 6pm) or from outside the UK on: Text Relay: Alternatively you can contact Santander online through the Complaints section of the Santander website: Or you can write to: Complaints Santander UK plc PO Box 1125 Bradford BD1 9PG If you have selected Home emergency cover and are unhappy with; the terms and conditions of your Home emergency cover policy the decision made on your Home emergency cover claim the settlement amount of your Home emergency cover claim the way your Home emergency cover claim was dealt with 9

10 Insurance Policy Summary Other important information continued you can call HomeServe on: or write to HomeServe at: Homeserve Membership Ltd Cable Drive Walsall WS2 7BN If your complaint is about anything else, you can contact us on: or write to: Customer Care Team PO BOX 7463 Level 2 Pitheavlis Perth PH2 0YX Santander and the insurers are covered by the Financial Ombudsman Service. If you have complained to us and we have been unable to resolve your complaint, you may be entitled to refer it to this independent body. Following the complaints procedure does not affect your right to take legal action. Would I receive compensation if the insurers were unable to meet their liabilities? We are members of the Financial Services Compensation Scheme (FSCS). You may be entitled to compensation from this scheme if we cannot meet our obligations, depending on the type of insurance and the circumstances of your claim. 10

11

12 Insurance is administered and underwritten by Aviva Insurance Limited. Registered in Scotland, No Registered Office: Pitheavlis, Perth, PH2 0NH. Authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority. Santander UK plc. Registered Office: 2 Triton Square, Regent's Place, London, NW1 3AN, United Kingdom. Registered Number Registered in England. Telephone Calls may be recorded or monitored. Authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority. Our Financial Services Register number is Santander UK plc is also licensed by the Financial Supervision Commission of the Isle of Man for its branch in the Isle of Man. Deposits held with the Isle of Man branch are covered by the Isle of Man Depositors Compensation Scheme as set out in the Isle of Man Depositors Compensation Scheme Regulations In the Isle of Man, Santander UK plc s principal place of business is at 19/21 Prospect Hill, Douglas, Isle of Man, IM1 1ET. Santander and the flame logo are registered trademarks. CHHHG11578 (V34) RINS 0558 OCT 14AV